Philip Seely
NMLS: 1985405 | PHILANYA, INC.
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PHILANYA, INC.
About Philip
Purchase Loans or refinance without the Hassle! Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. Simplified and personalized every step in the process.
Client Reviews
Reviews (4)
Tanner Cadarette
September 16, 2024
Phil is a super great guy and a pleasure to have as a partner. He's very transparent throughout each step of the mortgage process and made it effortless when working with him. Anyone looking for an expert? This is YOUR GUY!
George Kelley
March 2, 2023
Went above and beyond the call of duty! Always answers any questions thoroughly. I would absolutely recommend using Phil for any and all your mortgage needs.
Nicholas Foley
February 20, 2023
Philip was an outstanding professional! He recognized my needs and guided me through the process of buying a home. His expertise made it an effortless process in my purchase. I would recommend him to others!
Tifffany Gabas
February 10, 2023
Philip was such a pleasure to work with. As a first-time home buyer with no knowledge in obtianing a loan and in the home buying process, Philip was extremely knowledgable and took the time to explain in great detail. He was always available for communication by phone or email if I had any questions. Moreover, he always followed up with me, updated me on things that I needed to submit, and held me accountable for things that needed to get done in order to ensure for a timely and successful closing. I truly look forward to working with Philip in the future, and I recommend him to anyone in search of buying a home.
Mortgage Calculators
Monthly Payment
Apart from the purchase price of a home, there are other costs that must be factored into your monthly mortgage payment, including loan term, interest rate, homeowners insurance and property taxes.
This monthly payment calculator can help you figure out monthly loan payment options and is a tool you can use to assist with budgeting, whether you're buying a home or considering a refinance. When you're ready to purchase a home, connect with an independent mortgage broker to help you get started with your first time home loan.
Estimated Payment Amount
Per Month
$0.00
* If your down payment is less than 20% of the purchase price of the home on a conventional loan, you may be required to pay mortgage insurance.
Buy vs Rent
Should you buy or rent a home?
Are you currently renting and thinking about buying a home? There are a lot of factors that go into this decision, starting with affordability. Our calculator helps you compare the cost between renting and buying, making it easier to see which option may be best for you.
Buy vs Rent
What is right for you?
With a steady income, good credit score, manageable debt, some savings, and you want to put down some roots, you may be ready to buy a house.
Use our buy vs rent calculator to find out what's right for you.
Refinance
Have you ever considered refinancing your home loan?
Too many homeowners who close on their mortgage simply "get it and forget it," which could be a big mistake. Refinancing your current home loan may save you a significant amount of money depending on your interest rate, how many months remain on your loan term and how long you plan on staying in your home.
It's all in the numbers. So, let's do a little digging. Use our calculator below and then connect with an independent mortgage broker to start your home refinance
Why Refinance?
Lower Interest Rate
If rates dropped since you took out your mortgage, you may be able to refinance to a lower rate and monthly payment.
Adjustable to Fixed Rate
If you have an adjustable rate mortgage (ARM) and plan to stay in your home for a while, you may want to refinance to a fixed rate mortgage.
Convert Equity to Cash
If your home value increased or you paid off a significant amount of your mortgage, you can get cash out of your home with a cash-out refinance to pay off credit card or other debt, make home improvements and more.
How Much Home
Before you fall in love with a home, be sure to fall in love with the numbers. If it’s your first time getting a home loan, it’s important to connect with an independent mortgage broker to walk through your financing options.
There’s much more that goes into the cost of homeownership than the purchase price. Other factors include: property taxes, homeowners insurance and the interest rate on the home loan. Preparing a thorough and comprehensive budget is a good first step to understanding how much home you can afford. Our home affordability calculator makes this easy.
You May Be Able To Afford A House Up To:
$0.00
With a monthly estimated payment of $0.00.
Based on your income, a home at this price could fit within your budget.
Specializations
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